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Deposit Rates
Accurate as of May 29, 2024
Standard Deposit Rates
(For Business Deposit Rates, click here.)
| Type | Minimum Balance Requirements | Term | Dividend | APY* | |
|---|---|---|---|---|---|
| Share Savings | $5 minimum | n/a | 0.05% | 0.05% | Apply Now |
| Clubs | n/a | n/a | 0.05% | 0.05% | Apply Now |
| Secure Checking | No minimum balance | n/a | 0.05% | 0.05% | Apply Now |
| Simple Checking | No minimum balance | n/a | 0.00% | 0.00% | Apply Now |
| Money Market | $0 to $2,499 | n/a | 0.00% | 0.00% | Apply Now |
| Money Market | $2,500 to $49,999 | n/a | 2.23% | 2.25% | Apply Now |
| Money Market | $50,000 to $99,999 | n/a | 2.47% | 2.50% | Apply Now |
| Money Market | $100,000 to $499,999 | n/a | 2.67% | 2.70% | Apply Now |
| Money Market | $500,000 & Up | n/a | 3.93% | 4.00% | Apply Now |
| IRA | No minimum balance | n/a | 0.25% | 0.25% | Call to Open |
| Share Certificate & IRA Certificate | $500 minimum | 6 month | 3.45% | 3.50% | Call to Open |
| SPECIAL: Share Certificate & IRA Certificate | $500 minimum | 7 month | 4.89% | 5.00% | Call to Open |
| Share Certificate & IRA Certificate | $500 minimum | 1 year | 3.93% | 4.00% | Call to Open |
| Share Certificate Sow & Grow (Youth) | $2 weekly minimum | 1 year | 3.93% | 4.00% | Call to Open |
| Share Certificate Sow & Grow | $10 weekly minimum | 1 year | 3.93% | 4.00% | Call to Open |
| SPECIAL: Share Certificate & IRA Certificate | $500 minimum | 15 month | 4.41% | 4.50% | Call to Open |
| Share Certificate & IRA Certificate | $500 minimum | 2 year | 3.69% | 3.75% | Call to Open |
| Share Certificate Sow & Grow | $10 weekly minimum | 2 year | 3.69% | 3.75% | Call to Open |
| Share Certificate & IRA Certificate | $500 minimum | 3 year | 3.45% | 3.50% | Call to Open |
| Share Certificate & IRA Certificate | $500 minimum | 4 year | 3.45% | 3.50% | Call to Open |
| Share Certificate & IRA Certificate | $500 minimum | 5 year | 3.54% | 3.60% | Call to Open |
*APY = Annual Percentage Yield
**Minimum Share Savings Balance is $5.00. Money Market Account balances less than $2,500.00 earn no dividends.
Call us to open your new account at 800.427.1223 or Click here to apply online.
Certificate Early Withdrawal Penalty:
We may impose a penalty if you withdraw funds from your account before the maturity date.a) Amount of Penalty: For all accounts, the amount of the early withdrawal penalty is based on the term of your account. The penalty schedule is as follows: Terms of less than 1 year: half the term's dividends Terms of 1 to 2 years: 180 days’ dividends Terms of 3 year or greater: 360 days’ dividendsb) How the Penalty Works: The penalty is calculated as a forfeiture of part of the dividends that have been or would be earned on the account. It applies whether or not the dividends have been earned. In other words, if the account has not yet earned enough dividends or if the dividends have already been paid, the penalty will be deducted from the principal.c) Exceptions to Early Withdrawal Penalties: At our option, we may pay the account before maturity without imposing an early withdrawal penalty under the following circ*mstances:(i) When an account owner dies or is determined legally incompetent by a court or other body of competent jurisdiction.(ii) Where the account is an Individual Retirement Account (IRA) and any portion is paid within seven (7) days after the establishment of the account; or where the account is a Keogh Plan (Keogh), provided that the depositor forfeits an amount at least equal to the simple dividends earned in the amount withdrawn; or where the account is an IRA or Keogh and the owner attains age 59½ or becomes disabled.
Business Deposit Rates
| Type | Minimum Balance Requirements | Term | Dividend | APY* |
|---|---|---|---|---|
| Commercial Checking | $0 to $2,499 | n/a | 0.00% | 0.00% |
| Commercial Checking | $2,500 to $49,999 | n/a | 0.05% | 0.05% |
| Commercial Checking | $50,000 to $99,999 | n/a | 0.05% | 0.05% |
| Commercial Checking | $100,000 & Up | n/a | 0.05% | 0.05% |
| Money Management | $0 to $2,499 | n/a | 0.00% | 0.00% |
| Money Management | $2,500 to $49,999 | n/a | 2.23% | 2.25% |
| Money Management | $50,000 to $99,999 | n/a | 2.47% | 2.50% |
| Money Management | $100,000 to $499,999 | n/a | 2.67% | 2.70% |
| Money Management | $500,000 & Up | n/a | 3.93% | 4.00% |
*APY = Annual Percentage Yield
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CALL A MEMBER SERVICE REPRESENTATIVE
1-800-427-1223
Routing Number: 211288996
Notice
For our members’ convenience, links are available in this website to allow quick access to other sites that may be of interest. Clicking on a third party link will take you out of Downeast Credit Union’s website to an alternative website not operated by DECU. The Credit Union is not responsible for the content of the third party website and does not represent either the third party website or the member if you enter into a transaction. Privacy and security policies of the website to which you are linking may differ from those practiced by DECU.
